Consumer Lender

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Manages and develops consumer loan accounts, which meet the established lending requirements while maximizing profitability and minimizing risk to the bank. Contributes to the growth and profitability of the bank through consumer and residential loans. They must have the ability to perform a variety of tasks as needed while maintaining attention to detail. Additional duties are imaging and indexing these loans accurately into Synergy, as well as performing file maintenance on these loans as needed. The position requires the ability to work well with fellow employees. Skill requirements are typing, loan document knowledge, and the ability to use Laser Pro, Decision Pro, SilverLake, Word, and Excel, as well as other bank software are preferred. They must have the willingness to learn and accept new duties.

Roles and Responsibilities:

• Possesses knowledge of features and benefits of all bank consumer loan (including all TRID products) and deposit products and services in order to efficiently promote the bank to existing and potential customers.
• Accepts and processes consumer loan applications and, without exception, ensures that key disclosure documents are delivered within State and Federal regulatory time constraints and deadlines.
• Ensures that loan applications comply with the bank's Loan and Compliance Policies and Standards.
• Closely follows the bank's approved consumer rates and fees and that any rate or fee deviations are approved by the proper authority.
• Services existing consumer and residential loan accounts and expands existing relationships through cross-sells and referrals.
• Assists in the implementation of new products or programs to help provide better service to customers and stimulate new growth.
• Interviews loan applicants, analyzes financial information and makes appropriate loan decisions; Decisions must be based primarily on opinions derived from facts and projections based upon the best available information; Must abide by specified lending authority as dictated by the loan policy and procedures manual.
• Presents loan requests above lending authority to appropriate officers or committees for approval.
• Manages a loan portfolio as it pertains to consumer and residential loans under his or her responsibility. Services loan portfolio in a manner consistent with sound banking practices, while maintaining profitability.
• Participates in the bank's officer call program and promotes the bank's services where appropriate.
• Makes business development calls on existing customers and prospective customers.
• Maintains an active role in community affairs to improve the bank's visibility in the area.
• Implements plans to reduce total past due loans and non-earning assets to a level determined by senior management; Monitors past due loans and contacts customers when appropriate.
• Assures delivery of quality customer service in the branch through personal leadership and adherence to bank's quality standards.
• Assists all branches with existing and potential consumer and residential loan customers.
• Authorizes official checks, expense checks, money orders, charge-offs, overdrafts etc., as outlined in procedures manual.
• Other duties and responsibilities as may be assigned.

Education/Experience:

• Bachelor's Degree in business, finance or related field or equivalent experience preferred
• Previous consumer and/or residential lending experience preferred
• Proven track record of managing relationships and developing new business preferred
• Knowledge of lending policies, procedures and regulations.
• Ability to analyze and evaluate personal and small business tax returns and financial statements preferred. Excellent communication skills and demonstrated sales ability preferred

Knowledge/Skills/Ability:

• Proficient in relevant computer applications
• Ability to multi-task in several computer applications.
• Self-motivated and able to work independently
• Good verbal and written communication skills, in addition to good listening skills
• Proficient in data entry/typing skills
• Enjoy working in a fast-paced environment while maintaining a professional attitude
• Pays attention to detail and displays good organizational skills
• Ability to process all Consumer/TRID loan requests within an allotted time frame
• Thorough knowledge of loan documentation
• Time management and prioritization skills necessary to manage workload
• Ability to solve complex problems

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to speak or hear, stand or sit for long periods of time, open filing cabinets, walk, stoop or bend, use hands to handle or feel and reach with hands and arms. The employee must frequently lift and/or move up to 10 pounds, occasionally lift and/or move up to 25 pounds and complete tasks requiring manual dexterity. Ability to drive a vehicle for travel is required for the position.